Three's Company Tax & Credit Solutions

02/01/2026

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01/23/2026

💡 Tax Tip You Need to Know 💡

If you take the standard deduction, you cannot itemize your deductions.

👉🏽 Itemizing is when you claim specific expenses like:
• Mortgage interest
• State and local taxes
• Other eligible deductible expenses

📌 You choose ONE or the other, not both.

For most people, the standard deduction is larger and easier, but every situation is different.

When in doubt, compare both options or talk to a trusted tax pro.

🔁 Share this. This mix-up happens every year.

01/22/2026

👶🏽👵🏽 Paid for Child or Dependent Care? This Credit Could Lower Your Taxes 💸

If you paid someone to care for your child or another qualifying person so you (and your spouse, if filing jointly) could work or look for work, you may qualify for the Child and Dependent Care Credit.

💡 This credit can reduce your federal income tax when you file your return.

You may be eligible if:
✔️ You paid care expenses so you could work, look for work, or attend school
✔️ You (or your spouse if filing jointly) lived in the U.S. more than half the year
(Special rules apply for military members stationed abroad)

Who qualifies you for the credit?
✔️ A dependent under age 13, OR
✔️ A spouse or dependent of any age who can’t care for themselves and lived with you more than half the year

How the credit works:
📊 The amount depends on your income and a percentage of eligible care expenses paid so you could work or job hunt.

📌 Daycare, babysitters, after-school care, and some dependent care services may count.

👉🏽 Don’t leave money on the table.
👉🏽 If you paid for care so you could work, check your eligibility.
Info straight from the Internal Revenue Service.

🔁 Share this. Many families don’t know this credit exists.

01/20/2026

💰 Yes...You Can Claim the EITC Even WITHOUT Kids 💰

A lot of people think the Earned Income Tax Credit (EITC) is only for parents. That’s not true 👇🏽

You may qualify without a qualifying child if you meet the basic EITC rules and:

✔️ You lived in the United States for more than half the year
(50 states, D.C., or U.S. military bases, not Puerto Rico, Guam, or the Virgin Islands)
✔️ You cannot be claimed as someone else’s dependent or qualifying child
✔️ You meet the age requirement:
• At least 25 years old and under 65 by the end of the year
• If married filing jointly, at least one spouse must meet the age rule.

📌 The EITC is a refundable credit, meaning it can increase your refund even if you don’t owe taxes.

👉🏽 Don’t assume you don’t qualify. Check first.
👉🏽 Share this post. Somebody without kids needs this info 💯

01/16/2026

🏠 Can You File as Head of Household? 🏠

You may qualify for Head of Household filing status if:
✔️ You’re not married
✔️ A qualifying child lived with you more than half the year
✔️ You paid more than half the cost of keeping up your home

Costs that DO count:
✔️ Rent or mortgage interest
✔️ Real estate taxes & home insurance
✔️ Utilities & home repairs
✔️ Food eaten in the home
✔️ Some costs paid with public assistance

Costs that DO NOT count:
❌ Clothing, education, or vacations
❌ Medical bills, insurance, or prescriptions
❌ Life insurance
❌ Transportation (car insurance, lease payments, bus fare, etc.)
❌ Rental value of a home you own
❌ The value of your personal services (or anyone else’s)

📌 Filing as Head of Household can mean lower taxes and a bigger refund, but the rules are specific.

👉🏽 If you’re unsure, double-check before filing.

💬 Share this. This filing status confuses a LOT of people.

01/15/2026

💰 Do You Qualify for the Earned Income Tax Credit (EITC)? 💰

You may be leaving money on the table if you don’t know these basic EITC rules 👇🏽

To qualify, you must:
✔️ Have earned income (working income)
✔️ Have investment income below the limit
✔️ Have a valid Social Security number by the tax filing deadline
✔️ Be a U.S. citizen or resident alien for the entire year
✔️ NOT file Form 2555 (Foreign Earned Income)
✔️ Meet special rules if you’re separated from your spouse and not filing jointly

📌 The EITC is a refundable credit, meaning it can increase your refund, even if you owe little or no tax.

⚠️ Every situation is different, so eligibility can change based on income, filing status, and household details.

👉🏽 If this sounds like you, don’t assume... check.
👉🏽 Share this post so someone else doesn’t miss out on money they earned 💵

01/14/2026

👵🏽👴🏽 New Tax Deduction for Seniors (2025–2028) 💰

Starting in 2025 through 2028, individuals age 65 and older may qualify for an additional $6,000 tax deduction on top of the regular senior standard deduction.

Here’s what to know 👇🏽

📌 Overview:
✔️ Extra $6,000 deduction per eligible person
✔️ $12,000 total for married couples if both spouses qualify
✔️ Available whether you itemize or take the standard deduction
✔️ Phases out if income is over:
• $75,000 (single)
• $150,000 (married filing jointly)

✅ Who qualifies:
• You must be 65 or older by the last day of the tax year
• Applies to eligible taxpayers under Internal Revenue Service rules

📝 How to claim it:
• Make sure your Social Security number is included on the return.
• If married, file jointly to maximize the benefit.

📌 This deduction can significantly lower taxable income for seniors over the next few years.

👉🏽 If you or your parents are 65+, this is IMPORTANT‼
🔁 Share this! A lot of people don’t know this benefit even exists.

01/13/2026

🧾 Tax Deduction vs. Tax Credit: Know Which One Hits Harder 💥

Both help lower your tax bill, but they work VERY differently 👇🏽

🧾 Tax Deduction
What it does:
➡️ Lowers your taxable income

How it works:
A deduction reduces the amount of income the Internal Revenue Service taxes you on.

Example:
• You earn $60,000
• You claim a $10,000 deduction
• IRS now taxes you on $50,000

Why it matters:
The savings depend on your tax bracket.
👉🏽 In the 22% bracket, a $1,000 deduction saves about $220.

Common deductions:
• Standard deduction
• Student loan interest
• Traditional IRA contributions
• Mortgage interest (if itemizing)

💳 Tax Credit
What it does:
➡️ Lowers your actual tax bill dollar-for-dollar

How it works:
Credits apply after your tax is calculated.

Example:
• You owe $3,000 in taxes
• You qualify for a $1,000 credit
• You now owe $2,000

Why it matters:
💥 A $1,000 credit saves you $1,000... no math gymnastics. LOL

Common credits:
• Child Tax Credit
• Child & Dependent Care Credit
• Earned Income Tax Credit (EITC)
• Education credits (American Opportunity, Lifetime Learning)

🔥 Refundable vs. Nonrefundable (quick note):
• Refundable = can get you money back even if your tax is already $0
• Nonrefundable = can reduce your tax to $0, but not below

🧠 Easy way to remember:
Deduction = reduces the income they tax
Credit = reduces the tax you pay

👉🏽 Credits hit harder.
Deductions still help, but credits are the real MVPs 🏆

🔁 Share this!!! Tax confusion costs people real money every year.

01/13/2026

🚨 TAX SEASON PROTECTION TIP YOU NEED TO KNOW 🚨

Ever heard of an IP PIN? If not, read this 👇🏽

An Identity Protection PIN (IP PIN) is a 6-digit number from the IRS that helps stop scammers from filing a tax return using your Social Security number or ITIN.

🔐 It’s known only to you and the IRS
🛑 Even if you don’t have to file taxes, it still protects your account
🌍 Anyone with an SSN or ITIN can get one (yes, even if you live abroad)

Why this matters:
Tax-related identity theft is REAL. An IP PIN adds an extra lock on your tax return so nobody can file before you do.

How to get it (fastest way):
➡️ Log in to your IRS Online Account
➡️ Go to your Profile
➡️ Request your IP PIN

✔️ Spouses & dependents can get one too (if identity is verified)
✔️ Once you opt in, you’ll retrieve it online each year
✔️ IP PINs are available mid-January through mid-November

⚠️ Important to know:
• Your IP PIN changes every year
• You MUST use it when filing (or your return can be rejected/delayed)
• The IRS will NEVER call, text, or email asking for your IP PIN
• Anyone who asks for it = 🚩 SCAM 🚩

📌 Only share your IP PIN with your trusted tax professional when you’re ready to file.

Protect your coins. Protect your identity.
Don’t wait until something happens. 💯

👉🏽 Share this...somebody needs it.

01/12/2026

💡 What Is the Standard Deduction? (2025) 💡

The standard deduction is a set amount the Internal Revenue Service allows you to subtract from your income to lower how much tax you owe.
It’s the same amount for everyone with the same filing status (with a few exceptions 👇🏽).

📌 2025 Standard Deduction Amounts:
• Single: $15,750
• Married Filing Jointly: $31,500
• Married Filing Separately: $15,750
• Head of Household: $23,625

👀 Extra deduction if you’re blind or age 65+:
• Single or Head of Household:
– Blind or 65+: +$2,000
– Blind and 65+: +$4,000
• Married Filing Jointly or Separately:
– Blind or 65+: +$1,600 per person
– Blind and 65+: +$3,200 per person

If you’re unsure of which filing category you fall into, check with your trusted tax professional.

03/22/2025

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02/18/2025